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        (Cost of a mobile landline call)

    • Contact us
      Direct Line UCI
      Working days from 09:00 to 18:00 (GMT)
        (+351) 213 002 042
        (Cost of a domestic landline call)
        (+351) 932 442 604
        (Cost of a mobile landline call)
    Mortgage Request
    Contact us Mortgage Request
    Mortgages in Portugal
    Non-Residents

    Mortgages in Portugal for Non-Residents

    With UCI mortgage solutions for Non-Residents, buying a property in Portugal is now very simple, convenient and secure.

    Apply for a mortgage
    Language:

    Thinking of buying a property in Portugal?

    Close your eyes. Imagine yourself on a late afternoon strolling along the beach, or on a sunny day in the Douro wine region enjoying a good glass of wine. Now imagine that you could do this whenever you wanted.


    Stop imagining! Buy your property in Portugal with UCI mortgage solutions for Non-Residents and make your dream of living in Portugal come true.

    We are specialists in mortgage solutions in Portugal

    • Why choose UCI?

      We are a mortgage company, authorised by the Bank of Portugal. With over 20 years of experience, we make the mortgage process in Portugal much simpler, more convenient, and more secure.

    • How can we help you?

      As mortgage experts, we offer you the mortgage that best suits your needs. Whether you want to build your house from scratch or buy a new one, we have the right mortgage for you.

    • Speak with us!

      Our financial experts will help you through all the phases of the buying process, helping you clarify any questions you may have. If you want to finance your home in Portugal, get the best advice.

    Choose your mortgage rate

    Our financial experts will help you select the type of interest rate that best suits your needs.

    UCI Mortgages characteristics

    • Purchase of a property in Portugal by non-resident citizens for use as a main residence and second home.

    • Up to 70% of the house purchase value, according to applicant’s profile and guarantees provided. Maximum loan amount of 3,000,000€.

    • Variable interest rate - Constant monthly payments with 6-month rate revision.

      Mixed interest rate - Pay the same during the fixed interest rate period. After the fixed rate period, the loan becomes effective with constant monthly payments with Euribor 6 months.

    • Minimum of 7 years and maximum of 30 years. Up to 75 years (limit age of the oldest applicant at the end of the loan).

    • Variable interest rate - Variable interest rate (Euribor six-month) plus margin. Margin is defined according to the loan terms.

      Mixed interest rate of 5 years (agreed with UCI at the moment of signing and without addition of margin). After the fixed rate period, the loan becomes effective with constant monthly payments with Euribor 6 months. Margin is defined according to the loan terms.

    • Opening fee of €312.00 (taxes included).
      Administrative and contract fees of €416.00 (taxes included).
      Property valuation fee of €234.00 (taxes included).
      Solicitor services of €389.48 (taxes included).

    • Depending on the evolution of the index, the interest rate applied to the mortgage loan contract may be negative under the terms of Law no. 32.2018, of July 18.

    • Mortgage solution exclusive for non-resident citizens.

    How does it work?

    1

    Apply for a mortgage

    Start your mortgage online! Use our form to apply for your UCI mortgage.

    2

    We will contact you

    A mortgage specialist will get in touch to learn more about your home buying project and to answer your questions.

    3

    We study your case

    With the required documentation, our team of experts will study your mortgage request and provide you a quick response.

    4

    We finance your home

    Once we've found the right solution, we'll go with you till the deed, helping you on every step of the buying process.

    UCI key features

    • Mortgage experts
      Mortgage experts.
    • More than 30 years of experience
      More than 30 years of experience.
    • Trust and transparency
      Trust and transparency.
    • Fixed, Variable and Mixed Rate Mortgages
      Variable and Mixed Rate Mortgages.
    • Finance up to 70% of the house purchase value
      Finance up to 70% of the house purchase value.
    • A repayment term of up to 30 years
      A repayment term of up to 30 years.
    • Highly experienced and qualified staff in mortgages for Non-Residents
      Highly experienced and qualified staff in mortgages for Non-Residents.
    • Fast and efficient mortgage approval
      Fast and efficient mortgage approval.
    • Specialized support at all stages of the process.
      Personal advice through all the phases of the buying process.

    Frequently asked questions about Mortgages in Portugal

    • Nationality can influence loan conditions because the credit profile of a foreign citizen may be considered higher risk, compared to national citizens. Although, the conditions for contracting a mortgage in Portugal for Non-Residents citizens are usually determined by:

      • ✓ Economic profile of customers.
      • ✓ Characteristics of the property.
      • ✓ Financing policy.

    • Financial conditions for Non-Residents are like national citizens, however there may be small differences in some aspects of the risk analysis, particularly those related to the documentation required for the loan application.

    • Yes, it is possible to buy a property in Portugal (and obtain the financing) if you are not a resident and even manage the process remotely.

    • In terms of financing solutions at UCI, both variable rate options (based on the Euribor index plus spread) and fixed rate options are available for non-residents. The fixed interest rate makes possible that the monthly payments remain constant over a certain period (5 years).

    • At UCI, the maximum mortgage term for Non-Residents is 30 years, depending on the age of the applicants and up to a limit of 75 years of age at the end of the contract.

    • It may vary depending on the customer profile. In the case of Non-Residents, the maximum financing amount is 70% of the purchase price. Therefore, ultimately, an investment of between 30% and 40% of equity may be required when purchasing the property.

    • The maximum debt limit on credit for Non-Residents is, in general, up to 40% of the monthly income.

    • At UCI, there is no need to translate documents and most of the documents may be in the original language.

    • In Portugal, it is mandatory by law to take out insurance against the risk of fire for the building. It is also recommended to take out appropriate Life Insurance. At UCI you will find a wide range of insurance complementary to the mortgage loan.

    Useful links

    Learn more about mortgages in Portugal. Check out our useful resources and tools and learn more about the home buying process and financing in Portugal.

    Required documents for mortgages in Portugal

      • ✓ Passport or identification document.
      • ✓ A Portuguese Tax Identification Number (TIN) (NIF, Número de Identificação Fiscal).
      • ✓ Report on credit liabilities of your country of residence.
      • ✓ Tax income declaration.
      • ✓ Evidence of savings and other income.
      • ✓ Bank statements from the last 6 months proving income.
      • ✓ Supporting documents of payment of the last 6 months of other loans.
      • ✓ Last 3 pay slips or proof of other income received on a regular basis.
      • ✓ Employer’s letter specifying applicant’s type of employment, length of service and gross annual income.
      • ✓ Balance sheet and last Income Tax Return.
      • ✓ Accountant references and Balance sheets/income statements.
      • ✓ Bank references and details.
      • ✓ Last year annual pension statement.
      • ✓ Income Tax Return, if applicable.
      • ✓ Copy of the Promissory Contract Detailing the conditions of Sale.
      • ✓ Deed or “Nota Simples” (land register extract) of the purchased property.

    Information for non-residents

    • Start House-Hunting

      If you haven’t yet found a house, you can contact Real Estate Agents who will help you through the process and find the appropriated properties. You can also look for properties in specialized websites and magazines or contact property developers.

    • Making an Offer

      If you are interested in a property, make an offer directly to the real estate agent or seller. If it is accepted, you must make a down payment and sign the deposit or reservation contract.

    • Professional Help and Advice

      We know how important it is to be advised by professionals. That’s why our team is always there for you. At this stage we can help you understand what financing solutions are available and how we can make your dream of buying a property in Portugal a reality.

    • Applying for your Mortgage

      UCI wants to help you have a pleasant experience when buying a house in Portugal. As a specialist in mortgages in Portugal, UCI offers you fast and efficient service, mortgage solutions tailored to your needs and practical advice regarding the Portuguese reality. We make it easy, convenient and safe.

    • Arranging House Valuation

      The house valuation is a very important stage of the buying process because it can influence the amount of the finance, and because it helps you guarantee that the purchase price is adequate (an authorized surveyor will check that the purchase price is adequate).

    • Checking the House Background

      Before formalising the purchase, some legal information related to the property should be checked to safeguard the operation. During this process, UCI team of professional solicitors will conduct all searches and verifications, will obtain all necessary documentation, and make sure everything is in order.

    • Buyer Costs & Fees

      You must consider the following costs and fees: ✓ House valuation fees. ✓ Land register fees. ✓ Notary fees. ✓ Solicitor's fees.

    • Taxes

      When buying a property in Portugal, consider the following taxes: ✓ Municipal Property Transfer Tax (IMT) ✓ Stamp Duty Tax on the Acquisition ✓ Stamp Duty Tax on the Loan. ✓ Municipal Property Tax (IMI).

    • Public deed

      The confirmation of the property transaction takes place through the deed of purchase and sale, which is carried out in a register office or in a notary.

    Portugal tem muito para oferecer
    Product
    Why Portugal?

    Because Portugal has so much to offer

    From the nice sunny weather and warm blue seas, hot sand and the tasty food… Why experience it only a few days a year when you can have it all year round?

    There are so many reasons to live in Portugal

    • Nice and welcoming people
      Nice and welcoming people.
    • Great properties on offer
      Great properties on offer.
    • Nice weather throughout the year
      Nice weather throughout the year.
    • A lot to be discovered right around the corner
      A lot to be discovered right around the corner.
    • Easy and cheap connections to Portugal's major airports
      Easy and cheap connections to Portugal's major airports.
    • Mediterranean diet
      Mediterranean diet.
    • Low cost of living
      Low cost of living.
    • Portugal’s fabulous 17 UNESCO heritage sites
      Portugal’s fabulous 17 UNESCO heritage sites.
    CUSTOMER REVIEWS

    A mortgage specialist you can trust

    Our customers' opinions
    4.9/5
    + THAN 5000 OPINIONS

    Excelente serviço prestado pela UCI através da senhora ***

    MAY 2026

    Agradeço o esforço e empenho de todos que estiveram empenhados na conquista de um sonho que foi comprar minha casa aqui na Europa especificamente Portugal 1° grande conquista em valor e a UCI faz parte desta minha história...

    MAY 2026

    Everything was ideal. This is the best service I ever faced in Portugal to be honest

    APR 2026

    Recomendo vivamente os serviços da UCI. O gestor *** é muito profissional e eficiente. Sempre muito disponível para quaisquer esclarecimentos. Processo célere e transparente. Muito satisfeita. . ***

    APR 2026

    We had a fantastic experience working with *** from UCI Bank She helped us secure a loan for our apartment in Lisbon Portugal and made what could have been a stressful process feel smooth and manageable ...

    APR 2026

    Um excelente atendimento e suporte para quem deseja obter um financiamento.

    APR 2026
    Discover what UCI customers have to say

    APR Variable Rate of 5.293%.

    Financing example for a Variable Rate Mortgage, for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 360 monthly repayments of €482,85. Loan indexed to Euribor for 6 months (2,454%), in force in May 2026, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 4,094%, rounded to the thousandth. Total or partial early repayment fee of 0.5 % on the repaid capital. Total amount payable by the consumer of €195.646,26. Total credit cost of €95.646,26. The interest rate applied can be negative depending on the evolution of the respective index.

    Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance €183.24 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €234.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included). 

    APR Mixed Rate (5 years-Fixed Rate) of 5,351%.

    Financing example for a Mixed Rate Mortgage (5 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 60 monthly repayments of €486,10 and 300 monthly repayments of €483,28. Loan with fixed Nominal Annual Percentage Rate of 4.150%, in the first 5 years, in force in May 2026. In the following periods, the loan is indexed to Euribor for 6 months (2.454%), in force in May 2026, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 3.962%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €196.862,93. Total credit cost of €96.862,93. The interest rate applied can be negative depending on the evolution of the respective index.

    Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance €183.24 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €234.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included). 

    The UCI Mortgage Loan is a mortgage-secured loan agreement. This information does not constitute a financing offer nor does it exempt the customer from consulting the product's full conditions. Conditions applicable to Mortgage Loan contracts. If the loan is granted in foreign currency, the instalments may increase due to variations in the applicable exchange rate. APR calculated according to Decree-Law no. 74 A/2017, of 23 June. Information updated on 1 May 2026.

    For more information, see UCI. Unión de Créditos Inmobiliários, S.A., Estabelecimiento Financiero de Crédito (Sociedad Unipersonal) – Sucursal em Portugal is a financial institution branch with head office in the European Union registered with Banco de Portugal under number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CREDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL | Banco de Portugal (bportugal.pt)) which acts in compliance with the principles of legality conferred upon it in terms of advertising and consumer information, namely by Notice no. 5/2024 of Banco de Portugal, which establishes the information and transparency duties to be observed by credit institutions and financial companies on the advertising of financial products and services.

    UCI Contacts